Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I clicked on a link on the Amazon website to apply for a Synchrony Bank store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. On XX/XX/XXXX, I received an email from Synchrony Bank that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. I did not apply for a card with Synchrony, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. Synchrony Bank used a credit company called XXXX XXXX XXXX. I called Synchrony Bank on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop Synchrony Bank and Amazon from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78752
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Without a written notice nor any kind of warning, my credit account with Paypal was closed. The company claimed I had made XXXX returned payments : {$150.00} on XX/XX/XXXX and {$30.00} on XX/XX/XXXX. Autopay had ended on XX/XX/XXXX. The company claimed its their policy to automatically close an account after XXXX returned payments. I asked Paypal why did they not send a warning? No response. I asked why was my account not closed the week I reached the returned payment threshold? No response. On XX/XX/XXXX, I had made a payment of {$500.00} and my account did not display any notice of an impeding account closure. I do not recall reading anything about this policy in the companys credit agreement. This is a company internal policy used as an external policy. I dont think this is legal without a consumer notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have filed a complaint yesterday about two other issues and now there is another one and since I requested they go fraud as they should have done on the first two and refused I now have the account closed waiting a new card and they will not give me any information reguarding anything on the old number and I can not se what is taking place. Paypal blames Synchrony Bank and you have to talk to another number which blames in reverse Sycnhrony Bank then blames Paypal and this has been going on for years it is a Paypal Mastercard issued by Synchrony Bank why so much trouble and they make everything very difficult like this transaction of XXXX on XX/XX/23 it took hours to get it anywhere to be fixed. They are not nice or easy to deal with. Also they are now showing me a - {$1500.00} Paypal Balance requesting me to add oney to resolve that issue which is in fraud or resolution to be handled and they are still trying to give that money to a fraud action from someone else. I am XXXX and need this resolved and I don't need all this stress as I live in pain XXXX and also a XXXX XXXX of the XXXX XXXX XXXX XXXX this is all adding to my pain and stress and fighting so hard to get this fixed and feel like I am getting nowhere. I waiting for a new card so have no access to my stuff on paypal which is kind of weird.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: SYNCB/SYNCHRONY MUSIC pulled my credit on XX/XX/2022. Federal laws broken are 15 USC 1681 A 1-6. This was an invasion of my financial privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Synchrony Bank closed an account for inactivity. They claimed they would not reopen the account anymore. Indicating at XXXX time they would be able to. The account is listed on my credit check as closing XXXX, it is only 3 days later XXXX. Tires are not a constant purchase, to be actively using the card. If it were available to use for fueling it would have been actively used. This is not the first account the sham of a bank has closed for inactivity. XXXX account, again you are not constantly purchasing furniture. XXXX XXXX which was being used at least once a year. They suggested I reapply, assuring me I would be approved. I asked them why would I do so and take a hit to my credit score to have the account closed again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55316
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Someone went into my Paypal account and asked for XXXX cash I had a credit limit unused of over {$15000.00} instead of taking the fraud from the crdit card Paypal took it from my personal checking account we caught is called Paypal and place a dispute blocked the person requesting the money and called XXXX XXXX XXXX and stopped payment on it so the fraud wouldn't go through Paypal is still trying to pay the fraud and now have a XXXX again the paypal account asking me to give them XXXX to clear it but we filed fruad with them and I am having trouble fixing this. I have asked them for over 2 years to fix the wallet making the paypal credit card primary and ot use my checking accoung they said many times they would fix it but never did and now this huge problem for a XXXX amputee man I am so frustrated over this XXXX is a lot of money and I have been trying t o resolve this for a few days now and it is getting worse not better. I need this fixed and cleared up before more troublem please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: For my Care Credit Rewards Mastercard my XXXX statement showed a balance of {$600.00}. I had an interest deferred amount of {$360.00} - expiring on XX/XX/ I also had 2 standard purchase transactions totaling {$240.00}. I sent payment of {$300.00} of which {$240.00} would cover my standard purchases and {$60.00} would go toward my interest deferred amount of {$360.00}. ( I then planned on paying off the balance of the interest deferred amount ( {$300.00} ) before the due date of XX/XX/XXXX ) However, the company instead moved one of my standard purchases under " promotional '' and did not use the money to pay it off and then put an extra amount towards my interest deferred account and then charged me an interest charge of {$8.00}. I have had multiple interest deferred transactions in the past and have never had an issue with the money being allocated properly. Every statement I total my current standard purchases and pay those in full, and then I put what I can toward an interest deferred amount until I can pay it off in full before the promotion expires. I am not sure what happened this time. However I do not feel that I should pay the interest charge of {$8.00}. I tried numerous times to contact the company to resolve and have not been able to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX I was ripped off by a " XXXX XXXX XXXX XXXX the item I ordered was not what I had ordered. It was a bait n switch tactic - I returned the item to the merchant had to send it internationally. I have submitted all the documentation to PayPal Mastercard for the claim. PayPal keeps telling me that they have not received the documents that I have faxed to them twice. The fee is still on my account and they are ruling in the the merchants favor. My issue is that the item has been returned to the merchant and I should not be liable for the charge as I do not have the merchandise. It has been returned and the Merchant is a fraud all online reviews are showing that it is a scam from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am filing for bankruptcy and XXXX XXXX continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I took a loan out in XX/XX/XXXX from CareCredit to pay for my Invisalign at my dentist in XXXX Oklahoma. I had two year to pay off or I would be charged interest on the {$5400.00} I got the loan for. Well XX/XX/XXXX comes around and I didnt pay it off so I shouldve got charged interest of {$1400.00} ( which is the interest rate at 26.99 % of {$5400.00} ) Instead Im getting charged a total interest of {$2900.00}. They told me that Im getting charged from the beginning of my loan a daily interest charge on top of that which makes no sense! Thats is 45 % of the amount I paid for my XXXX!! They kept telling me that they got that amount on daily percentage rate but my loan was supposed to be fixed at me paying 26.99 % on my {$5400.00} loan if I didnt pay it off in two years!!!! Im am so mad and Ive called twice for them to say there is nothing I can do!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A